Monique Runge, Sr Mortgage Loan Originator

06/24/2025

Homeowner's Insurance in California is becoming more challenging and expensive to secure. Please enjoy this recent article that was published in the San Clemente Journal

In 2025, California’s homeowners’ insurance environment is knee deep in claims and concerns. Premiums are higher due to natural disasters like earthquakes, floods, and mudslides.

08/28/2024

Did you know that the Boomer generation heads into retirement with 11,200 Americans turning 65 every day from 2024 thru 2027?

Many are not prepared and are still carrying a mortgage balance. Learn about homeowner mortgage retirement options that can eliminate the mortgage payment.

Please enjoy this article that was published in a recent issue of the

Improve your retirement years with a Reverse Mortgage product that will allow you to ‘Age in Place’

04/16/2024

Please enjoy a recent article I wrote that was published in the current issue of the San Clemente Journal about the importance of Living Trusts. Let me know your thoughts...

The purpose of establishing a Living Trust is to create a legal document naming a trustee who manages the financial estate plan and can grant assets to a beneficiary as named and directed.

03/22/2024

Hey San Clemente, the annual State of the City Luncheon is coming again in May. I hope to see you there to celebrate our wonderful community with the growth and progress over the last year.

The San Clemente Chamber of Commerce presents the State of the City Luncheon. Join us at the beautiful Bella Collina San Clemente for an enjoyable meet-and-mingle and delicious lunch. The mayor will present updates on the city's development, infrastructure and economic plans. This is an excellent op...

03/20/2024

Enjoy this content I prepared in a recent issue of the San Clemente Journal. Let's bring humanity back to life while doing business.

Over the years, we have built a trusted relationship with professionals that can provide the best advice to serve our financial and insurance needs...

12/06/2023

Here it is… with a special dedication to our favorite parrot head Jimmy Buffett. 

enjoy my 2023 secret Santa holiday playlist

https://open.spotify.com/playlist/2ExLfOzebXlHGNhzd2VR1j?si=E7d_bS_3SgSlqF8SreCCqA&pi=u-4mGamRf_S5eb

2023 Secret Santa · Playlist · 54 songs

10/20/2023

07/31/2023

Are you thinking of buying a new home or remodeling your current home? Unsure if now or later is best? Let's have a conversation to discuss your scenario. I will provide a complimentary mortgage total cost analysis which will demonstrate loan options along with quality advice so you can make an informed decision.

07/19/2023

Credit scores are more important than ever. You must have above a 740 in 2023 for the best rates in any type of financing. Learn more about how to improve your credit score with these simple tips.

Message from Monique Runge talking about how important it is to have a credit score above 740 in 2023. Financing homes and cars will be more expensive with ...

05/12/2023

Please watch this video to learn how to buy a new home now and keep your current home as an investment property for increased income tax deductions and perpetual retirement income.

03/23/2023

In my business I always educate Clients as to what is their best benefit for short term and long term goals. In 2023, homeowners who are considering to move up or downsize, I educate them to retain their current property with a low interest rate mortgage as a rental property. In California, new rental contracts are demanding much higher rents which often equate to the mortgage payment. Creating higher income tax deductions and perpetual income for the homeowner. 

If you’re interested in having a conversation and learning more on how to grow your real estate investments while increasing your income tax benefits, please reach out. 

A homeowner planning to relocate or downsize might find the higher costs related to higher mortgage rates too much of a hurdle to clear. What are their options?

09/22/2022

Now Properties are much more affordable and income tax deductions are higher, it’s a great time in the real estate market to buy sell or tap into your equity. 

2022 September Mortgage Market Message